Methods and systems for rewarding personal well-being

ABSTRACT

A method and system of providing personalized rewards for lifestyle management of a user includes receiving various target goals from the user. The target goals relate to the personal health, community involvement and financial planning of the user. As such, the method and system include receiving and analyzing a first set of data during a first period of time to determine whether the user has met the target goals during the first period of time. In response to determining that the user has met the target goals, the method and system include receiving and analyzing a second set of data during a second period of time to determine whether the user has maintained the target goals during the second period of time. In response to determining that the user has maintained the target goals, the method and system include determining and transmitting one or more personalized rewards to the user.

CROSS-REFERENCE TO RELATED APPLICATIONS

The present application is a continuation of U.S. patent applicationSer. No. 17/591,446, filed on Feb. 2, 2022, which is a continuation ofU.S. patent application Ser. No. 17/082,818, filed Oct. 28, 2020, whichclaims priority to and the benefit of U.S. Provisional Application No.62/927,172, filed Oct. 29, 2019, and U.S. Provisional Application No.62/993,272, filed Mar. 23, 2020, the subject matters of which areexpressly incorporated herein by reference.

FIELD OF THE DISCLOSURE

The present disclosure generally relates to lifestyle management, andmore particularly to methods and systems for providing personalizedrewards based upon an individual's health status, community involvement,and/or financial planning.

BACKGROUND OF THE DISCLOSURE

Mobile and wearable devices have become ubiquitous in today's world.These devices enable individuals to monitor various aspects of theirlives such as their health, wealth, social interactions, etc. However,these devices are primarily focused on providing individuals with theability to track their personal activities or data. Individuals stilllack adequate information on how to better manage the various aspects oftheir lives in view of such personal activities or data. Conventionaltechniques may have other drawbacks as well.

SUMMARY

The present embodiments facilitate allowing individuals to improve themanagement of their lives based upon the tracking of their personalactivities and/or data. According to one embodiment, the presentdisclosure provides a computer-implemented method implemented by aserver (and/or one or more processors, transceivers, and sensors) toprovide personalized rewards for lifestyle management based upon thewell-being of a user. The method may include, via one or more remote orlocal processors, servers, sensors, and/or transceivers, (1) receiving atarget health goal, a target community goal, and/or a target financialgoal from a plurality of devices associated with the user; and (2)receiving a first set of data during a first period of time from theplurality of devices associated with the user. The first set of data mayinclude a first health data set indicating a current personal healthlevel for the user, a first community data set indicating a currentcommunity activity level for the user, and a first financial data setindicating a current financial independence level for the user. Themethod may include, via one or more remote or local processors, servers,sensors, and/or transceivers, (3) analyzing the first set of data todetermine whether: (i) the target health goal has been met during thefirst period of time based upon the first health data set, (ii) whetherthe target community goal has been met during the first period of timebased upon the first community data set, and/or (iii) whether the targetfinancial goal has been met during the first period of time based uponthe first financial data set.

In response to determining that the target health goal, the targetcommunity goal and the target financial goal have been met during thefirst period of time, the method may include, via the one or more remoteor local processors, servers, sensors, and/or transceivers, (4)receiving a second set of data during a second period of time from theplurality of devices associated with the user. The second set of datamay include a second health data set indicating a continued personalhealth level for the user, a second community data set indicating acontinued community activity level for the user, and a second financialdata set indicating a continued financial independence level for theuser. The method may further include, via the one or more remote orlocal processors, servers, sensors, and/or transceivers, (5) analyzingthe second set of data to determine whether: (a) the target health goalhas been maintained during the second period of time based upon thesecond health data, (b) whether the target community goal has beenmaintained during the second period of time based upon the secondcommunity data, and (c) whether the target financial goal has beenmaintained during the second period of time based upon the secondfinancial data. In response to determining that the target health goal,the target community goal and the target financial goal have beenmaintained during the second period of time, the method may include, viathe one or more remote or local processors, servers, sensors, and/ortransceivers, (6) determining one or more personalized rewards for theuser and transmits information indicating the one or more personalizedrewards to the plurality of devices associated with the user. The methodmay include additional, less, or alternate actions, including thosediscussed elsewhere herein.

For instance, in a further aspect, the method may include, via one ormore remote or local processors, servers, sensors, and/or transceivers,determining whether the target health goal has been met by determiningwhether the current personal health level is equal to or greater than adesired personal health level during the first period of time; and/ordetermining whether the target health goal has been maintained bydetermining whether the continued personal health level is equal to orgreater than the current personal health level during the second periodof time.

Similarly, the method may include, via one or more remote or localprocessors, servers, sensors, and/or transceivers, determining whetherthe target community goal has been met by determining whether thecurrent community activity level is equal to or greater than a desiredcommunity activity level during the first period of time. Also, themethod may include, via one or more remote or local processors, servers,sensors, and/or transceivers, determining whether the target communitygoal has been maintained by determining whether the continued communityactivity level is equal to or greater than the current communityactivity level during the second period of time.

Likewise, the method may include, via one or more remote or localprocessors, servers, sensors, and/or transceivers, determining whetherthe target financial goal has been met by determining whether thecurrent financial independence level is equal to or greater than adesired financial independence level during the first period of time.The method may include, via one or more remote or local processors,servers, sensors, and/or transceivers, determining whether the targetfinancial goal has been maintained by determining whether the continuedfinancial independence level is equal to or greater than the currentfinancial independence level during the second period of time.

In another aspect, the method may include, via one or more remote orlocal processors, servers, sensors, and/or transceivers, determining theone or more personalized rewards by accumulating reward points when thetarget health goal, the target community goal and the target financialgoal have been met during the first period of time. Additional rewardpoints are accumulated when the target health goal, the target communitygoal and the target financial goal have been maintained during thesecond period of time.

The method may include, via one or more remote or local processors,servers, sensors, and/or transceivers, determining the one or morepersonalized rewards based upon the accumulated reward points. The oneor more personalized rewards may include one or more indications ofmoney, a personalized product, a personalized service, a personalizedinsurance adjustment, a personalized discount on goods and services, anda personalized recommendation of goods and services.

In yet another aspect, the method may include, via one or more remote orlocal processors, servers, sensors, and/or transceivers, establishingand transmitting a plurality of intermediate goals for each of thetarget health goal, target community goal and target financial goal tothe plurality of devices associate with the user. In this manner, thecurrent and continued personal health levels are determined based upon acompletion status of each of the plurality of intermediate goalsestablished for the target health goal, the current and continuedcommunity activity levels are determined based upon a completion statusof each of the plurality of intermediate goals established for thetarget community goal, and the current and continued financialindependence levels are determined based upon a completion status ofeach of the plurality of intermediate goals established for the targetfinancial goal.

According to another embodiment, the present disclosure provides acomputer system for providing personalized rewards for lifestylemanagement based upon the well-being of a user. The computer systemincludes a plurality of devices associated with the user and a servercommunicatively connected to the plurality of devices. The server may beconfigured to receive, a target health goal, a target community goal,and a target financial goal from the plurality of devices. The servermay also be configured to receive a first set of data during a firstperiod of time from the plurality of devices. The first set of data mayinclude a first health data set indicating a current personal healthlevel for the user, a first community data set indicating a currentcommunity activity level for the user, and a first financial data setindicating a current financial independence level for the user. Theserver may be configured to analyze the first set of data to determinewhether: (i) the target health goal has been met during the first periodof time based upon the first health data set, (ii) whether the targetcommunity goal has been met during the first period of time based uponthe first community data set, and/or (iii) whether the target financialgoal has been met during the first period of time based upon the firstfinancial data set.

In response to determining that the target health goal, the targetcommunity goal and the target financial goal have been met during thefirst period of time, the server may be configured to receive a secondset of data during a second period of time from the plurality ofdevices. The second set of data may include a second health data setindicating a continued personal health level for the user, a secondcommunity data set indicating a continued community activity level forthe user, and/or a second financial data set indicating a continuedfinancial independence level for the user. The server may be furtherconfigured to analyze the second set of data to determine whether: (a)the target health goal has been maintained during the second period oftime based upon the second health data set, (b) whether the targetcommunity goal has been maintained during the second period of timebased upon the second community data set, and (c) whether the targetfinancial goal has been maintained during the second period of timebased upon the second financial data set. In response to determiningthat the target health goal, the target community goal and the targetfinancial goal have been maintained during the second period of time,the server may be configured to determine one or more personalizedrewards for the user and transmit information indicating the one or morepersonalized rewards to the plurality of devices.

In a further aspect, the server may be configured to determine whetherthe target health goal has been met by determining whether the currentpersonal health level is equal to or greater than a desired personalhealth level during the first period of time. The server may also beconfigured to determine whether the target health goal has beenmaintained by determining whether the continued personal health level isequal to or greater than the current personal health level during thesecond period of time.

Similarly, the server may be configured to determine whether the targetcommunity goal has been met by determining whether the current communityactivity level is equal to or greater than a desired community activitylevel during the first period of time. The server may also be configuredto determine whether the target community goal has been maintained bydetermining whether the continued community activity level is equal toor greater than the current community activity level during the secondperiod of time.

Likewise, the server may be configured to determine whether the targetfinancial goal has been met by determining whether the current financialindependence level is equal to or greater than a desired financialindependence level during the first period of time. The server may alsobe configured to determine whether the target financial goal has beenmaintained by determining whether the continued financial independencelevel is equal to or greater than the current financial independencelevel during the second period of time.

In another aspect, the server may be configured to determine the one ormore personalized rewards by accumulating reward points when the targethealth goal, the target community goal and the target financial goalhave been met during the first period of time. Additional reward pointsmay be accumulated when the target health goal, the target communitygoal and the target financial goal have been maintained during thesecond period of time. The server may be then configured to determinethe one or more personalized rewards based upon the accumulated rewardpoints. The one or more personalized rewards may include one or moreindications of money, a personalized product, a personalized service, apersonalized insurance adjustment, a personalized discount on goods andservices, and a personalized recommendation of goods and services.

In yet another aspect, the server may be further configured to establishand transmit a plurality of intermediate goals for each of the targethealth goal, target community goal and target financial goal. In thismanner, the current and continued personal health levels may bedetermined based upon a completion status of each of the plurality ofintermediate goals established for the target health goal, the currentand continued community activity levels may be determined based upon acompletion status of each of the plurality of intermediate goalsestablished for the target community goal, and the current and continuedfinancial independence levels may be determined based upon a completionstatus of each of the plurality of intermediate goals established forthe target financial goal.

BRIEF DESCRIPTION OF THE DRAWINGS

The above-mentioned and other features and advantages of thisdisclosure, and the manner of attaining them, will become more apparentand the invention itself will be better understood by reference to thefollowing description of embodiments of the invention taken inconjunction with the accompanying drawings, wherein:

FIG. 1 is a block diagram illustrating an exemplary system for providingpersonalized rewards for lifestyle management based upon the well-beingof a user;

FIG. 2 is a flow chart illustrating an exemplary computer-implementedmethod for providing personalized rewards for lifestyle management basedupon the well-being of the user;

FIG. 3 is a block diagram illustrating an exemplary process for the userto undertake in order to receive personalized rewards for lifestylemanagement based upon the well-being of the user;

FIGS. 4 and 5 are a flow chart illustrating an exemplarycomputer-implemented method for facilitating a user who isunder-qualified for a long-term life insurance policy to become quailedfor a long-term life insurance coverage; and

FIG. 6 is a flow chart illustrating an exemplary computer-implementedmethod for providing a personalized reward and/or challenge program to auser to promote health and wealth of the user.

Corresponding reference characters indicate corresponding partsthroughout the several views. The exemplifications set out hereinillustrate exemplary embodiments of the disclosure and suchexemplifications are not to be construed as limiting the scope of thedisclosure in any manner.

DETAILED DESCRIPTION

For the purposes of promoting an understanding of the principles of thepresent disclosure, reference is now made to the embodiments illustratedin the drawings, which are described below. The exemplary embodimentsdisclosed herein are not intended to be exhaustive or to limit thedisclosure to the precise form disclosed in the following detaileddescription. Rather, these exemplary embodiments were chosen anddescribed so that others skilled in the art may utilize their teachings.One of ordinary skill in the art will realize that the embodimentsprovided can be implemented in hardware, software, firmware, and/or acombination thereof. Programming code according to the embodiments canbe implemented in any viable programming language or a combination of ahigh-level programming language and a lower level programming language.

As disclosed herein, an individual or user is rewarded based uponpositive trends in the user's well-being. This well-being is derivedfrom at least three categories of information including the user'spersonal health (e.g., physical and/or mental health), the user'scommunity involvement (e.g., community activities), and the user'sfinancial planning (e.g., savings, investments). The user may definetarget goals for each of the three categories and work toward achievingthose goals. When the target goals have been achieved and maintainedover a period of time, the user receives personalized rewards (e.g.,personalized products or services) as a way to encourage the user tofurther improve and/or maintain his or her well-being.

Exemplary Computer System

FIG. 1 is a block diagram of a computer system 100 for providingpersonalized rewards for lifestyle management based upon the well-beingof a user 102. A plurality of mobile and/or wearable devices 104A-104Nmay be associated with user 102. Each device 104A-104N iscommunicatively connected to a server 106 (e.g., an insurer's computersystem) via a network 108 (e.g., a local area network (LAN), a wide areanetwork (WAN), a personal area network (PAN), the Internet, etc.). Whileonly four devices are shown in FIG. 1 , any number of devices may becontemplated in other embodiments.

Each device 104A-104N includes a processor 110 (e.g., a centralprocessing unit (CPU), a graphics processing unit (GPU)), a memory 112(e.g., random-access memory (RAM), read-only memory (ROM), flash memory)and a user interface 114 (e.g., a display screen, a touchscreen, akeyboard). In general, devices 104A-104N may include any existing orfuture devices capable of detecting, collecting, storing, transmitting,and/or displaying data associated with user 102, and may, for example,be wearable, implantable, ingestible, hand-held, or placed off the body.

As an example, device 104A may be a mobile device such as a smartphone,a tablet, a laptop, or any other suitable computing device. Device 104Bmay be a wearable device (e.g., a smart watch or fitness bracelet, orsmart glasses) configured to measure fitness activities such as walking,running, biking, weight training, etc. Device 104C may be a wearabledevice configured to measure biometric markers such as blood glucoselevels, cholesterol levels, vitamin levels, etc. Device 104N may be aningestible device (e.g., smart pills) that measures medication usagesuch as the correct intake of medicine. Other examples of devices104A-104N may include temperature sensors, motion sensors, heart ratemonitors, pulse oximeters, sleep pattern monitors, smart scales, smartutensils, and the like.

In some embodiments, devices 104A-104N may be in the form of smart homesensors and/or smart vehicle sensors. Smart home sensors may be locatedat a residence of user 102. For example, smart home sensors may includeutility meter sensors that generate data associated with energy usage atthe residence (e.g., water sensors, gas sensors, electricity sensors,etc.), smart appliance sensors that generate data associated with theoperation of various appliances at the residence (e.g., sensors in asmart refrigerator that indicate temperature settings), and/or homeautomation sensors that generate data associated with the control and/orautomation of the residence (e.g., light level settings, home alarmsettings, thermostat settings, etc.). Smart vehicle sensors may belocated in a vehicle associated with user 102. For example, smartvehicle sensors may include sensors that generate data associated withthe physical and/or mental conditions of user 102 while driving thevehicle (e.g., sensors that measure eye movement, reaction time, etc.),and/or interactions that user 102 have with the vehicle (e.g., sensorsthat measure vehicle following distance, response to safety warningsystems, etc.). In any event, these and other sensors may provideadditional sources of data (including image and audio data) associatedwith user 102.

Data collected by each device 104A-104N may be stored in its respectivememory 112 before being transmitted to server 106 via network 108. Insome embodiments, data collected by devices 104A-104N may be transmitteddirectly to server 106 via network 108. In other embodiments, somedevices (e.g., wearable device 104B) may transmit collected data to anintermediate device (e.g., mobile device 104A) for storage before theintermediate device transmits the data over to server 106. In stillother embodiments, data collected by devices 104A-104N may betransmitted to server 106 via a third party. For example, a datamonitoring system (not shown in FIG. 1 ) may store any and all datacollected by devices 104A-104N and transmit that data to server 106 vianetwork 108 or a different network.

Server 106 includes a processor 116 (e.g., a microprocessor, amicrocontroller), a memory 118, and an input/output (I/O) controller 120(e.g., a network transceiver). Server 106 may be a single server or aplurality of servers with distributed processing. A database 124, whichmay be a single database or a collection of two or more databases, iscoupled to server 106. In one example, database 124 is part of server106. In another example, server 106 accesses database 124 via a networksuch as network 108. Server 106 may also include various softwareapplications stored in memory 118 and executable by processor 116. Thesesoftware applications may include specific programs, routines, orscripts for performing functions associated with the methods describedherein. Additionally, the software applications may includegeneral-purpose software applications for data processing, databasemanagement, data analysis, network communication, web server operation,or other functions described herein or typically performed by a server.

In operation, server 106 receives data associated with user 102 fromdevices 104A-104D and stores the data in database 124. Server 106 thenanalyzes the data to determine the well-being of user 102 and provideuser 102 with personalized rewards. The well-being of user 102 isderived from at least three categories of information including personalhealth, community involvement, and financial planning. Other suitableinformation categories may be contemplated in other embodiments.

Personal health relates to the physical and/or mental health of user102. Physical health may be based upon various physical activitiesperformed by user 102 such as the number of steps walked, number ofstairs climbed, number of miles cycled, etc. Physical health may also bebased upon various physiological parameters of user 102 such as bloodpressure, heart rate, body mass index (BMI), etc. Further, physicalhealth can be based upon the nutritional intakes of user 102 (e.g.,vitamin intake). Still further, physical health can be based uponvarious biometric markers associated with user 102 such as blood glucoselevel or cholesterol level.

Mental health can be based in part on the behaviors of user 102 such ashow much time user 102 spends practicing meditation or other relaxationtechniques, how much sleep user 102 gets per night, how often user 102works overtime, and the like. Other factors that contribute to physicaland/or mental health may include adherence to a prescription drugregimen and environmental conditions (e.g., living in a cold house canincrease the risk of respiratory illness due to increased dampness).Data associated with the physical and/or mental health of user 102 maybe self-reported or collected by a mobile and/or wearable device (e.g.,any of devices 104A-104N). This data may be stored as health data 126 indatabase 124.

Community involvement relates to any number of civic and/or communityactivities that user 102 partakes in. For example, civic and/orcommunity activities may include volunteering, voting, interacting withneighbors, participating in community or charitable events, accessingsocial media to discuss current events, and the like. Data associatedwith the civic and/or community activities of user 102 may beself-reported or collected through a mobile device (e.g., by retrievingcalendar events stored in mobile device 104A). This data may be storedas community data 128 in database 124.

Financial planning relates to the level of financial independenceachieved by user 102. This may include the amount of savings, retirementfunds, life insurance policies, and/or other suitable investments madeby user 102 for retirement or general life planning purposes. Dataassociated with the financial planning of user 102 may be self-reportedor collected through a mobile device (e.g., by retrieving savingsaccount information stored in mobile device 104A). This data may bestored as financial data 130 in database 124.

Health data 126, community data 128, financial data 130, and/or othertypes of data associated with user 102 may only be gathered and storedin database 124 with the full understanding and permission of user 102.That is, before devices 104A-104N can collect data, a visual or otherprompt may alert user 102 to such action. For example, a prompt may begenerated on mobile device 104A to allow user 102 to “opt out” of someor all collection of health data 126, community data 128, financial data130, and/or any other types of data as described herein.

For better lifestyle management, user 102 first defines a set of targetgoals for each of the three categories of information that characterizethe well-being of user 102. This may entail defining a target healthgoal that outlines a desired personal health level, a target communitygoal that outlines a desired community activity level, and a targetfinancial goal that outlines a desired financial independence level. Thetarget goals may be defined for a period of time (e.g., a week, a month,a year, etc.). As an example, the target health goal may involve user102 achieving a certain BMI during a 6-month period. The targetcommunity goal may involve user 102 attending a certain number ofcharitable events during the same 6-month period. The target financialgoal may involve user 102 saving a certain amount of retirement fundsduring the same 6-month period. User 102 may define these target goalsusing a mobile device (e.g., device 104A) and send the defined targetgoals to server 106 to be stored in database 124.

Once defined, user 102 can perform activities necessary to achieve thetarget goals (e.g., exercising, dieting, going to charitable events,contributing to a 401(k) plan, etc.). Devices 104A-104N then collect thedata associated with user 102 performing those activities and send thedata to server 106 for storage and processing. Accordingly, server 106receives a first set of data during a first period of time (e.g.,initial 6 months), which includes a first health data set 126Aindicating a current personal health level for user 102, a firstcommunity data set 128A indicating a current community activity levelfor user 102, and a first financial data set 130A indicating a currentfinancial independence level for user 102.

Server 106 analyzes the first set of data to determine whether thetarget goals have been met. In particular, server 106 analyzes firsthealth data set 126A to determine whether the target health goal hasbeen met. That is, whether the current personal health level is equal toor greater than the desired personal health level during the firstperiod of time (e.g., whether user 102 achieved the certain BMI duringthe 6-month period). Similarly, server 106 analyzes first community dataset 128A to determine whether the target community goal has been met.That is, whether the current community activity level is equal to orgreater than the desired community activity level during the firstperiod of time (e.g., whether user 102 attended the certain number ofcharitable events during the 6-month period). Likewise, server 106analyzes first financial data set 130A to determine whether the targetfinancial goal has been met. That is, whether the current financialindependence level is equal to or greater than the desired financialindependence level during the first period of time (e.g., whether user102 saved the certain amount of retirement funds during the 6-monthperiod).

If the target goals have been met during the first period of time,server 106 continues to receive a second set of data during a secondperiod of time (e.g., subsequent 6 months). The second set of dataincludes a second health data set 126B indicating a continued personalhealth level for user 102, a second community data set 128B indicating acontinued community activity level for user 102, and a second financialdata set 130B indicating a continued financial independence level foruser 102.

Server 106 analyzes the second set of data to determine whether thetarget goals have been maintained. In particular, server 106 analyzessecond health data set 126B to determine whether the target health goalhas been maintained. That is, whether the continued personal healthlevel is equal to or greater than the current personal health levelduring the second period of time (e.g., whether user 102 continued toachieve the same BMI during the subsequent 6-month period).

Similarly, server 106 analyzes second community data set 128B todetermine whether the target community goal has been maintained. Thatis, whether the continued community activity level is equal to orgreater than the current community activity level during the secondperiod of time (e.g., whether user 102 continued to attend the samenumber of charitable events during the subsequent 6-month period).

Likewise, server 106 analyzes second financial data set 130B todetermine whether the target financial goal has been maintained. Thatis, whether the continued financial independence level is equal to orgreater than the current financial independence level during the secondperiod of time (e.g., whether user 102 continued to save the same amountof retirement funds during the subsequent 6-month period).

If the target goals have been maintained during the second period oftime, server 106 determines one or more personalized rewards as a way toencourage user 102 to further improve and/or maintain his or herwell-being. The personalized rewards may include various incentives foruser 102 such as indications of money, personalized products or services(e.g., customized retirement portfolios, customized vitamin intakes,customized recipes, customized exercise regimes, customized estateplanning, etc.), personalized insurance adjustments (e.g., customizedchanges in insurance policy coverage, customized reduction in premiums,etc.), personalized discounts on goods and services (e.g., customizedcoupons or gift cards), personalized recommendations of goods andservices (e.g., recommendation to increase retirement contributions,recommendation to shop for certain nutritional products, etc.). Server106 may transmit information indicating these personalized rewards touser 102 (e.g., to device 104A via network 108).

In some embodiments, server 106 determines the personalized rewardsbased upon points accumulated by user 102. For example, when user 102meets the target goals during the first period of time, server 106provides reward points to user 102. Additional reward points can beearned when user 102 maintains the target goals during the second periodof time.

In some embodiments, server 106 creates a game for user 102 to play sothat user 102 can achieve and maintain the target goals. For example,upon receiving the target goals, server 106 may establish a plurality ofintermediate goals for user 102 to accomplish. These intermediate goalsmay be transmitted to user 102 (e.g., to be displayed on device 104A)and may involve daily tasks that user 102 needs to complete in order toreach the final target goal (e.g., daily exercise or dietary packagethat would allow user 102 to achieve the desired BMI).

In this manner, the current and continued personal health levels may bedetermined based upon a completion status of each of a plurality ofintermediate goals established for the target health goal. Similarly,the current and continued community activity levels may be determinedbased upon a completion status of each of a plurality of intermediategoals established for the target community goal. Likewise, the currentand continued financial independence levels may be determined based upona completion status of each of a plurality of intermediate goalsestablished for the target financial goal.

As user 102 completes each intermediate goal, points may be earned. Inone embodiment, server 106 may allow user 102 to create an avatar thatrepresents user 102 in the game. The avatar may change attributes aseach intermediate goal is accomplished, as such the avatar may be adynamic avatar. For example, the avatar may change its appearance as thegame progresses (e.g., avatar gets more muscular as user 102 completesmore exercises). Other aspects of the game may include allowing user 102to join a community of users working to achieve a set of common targetgoals or allowing user 102 to monitor the progress of other users in thegame as a means to provide motivation. In some embodiments, intermediategoals of varying intensity, complexity and/or duration may be designedfor different niche segments of users such as seniors, active athletes,individuals undergoing physical therapy, etc.

Exemplary Computer-Implemented Method

Referring next to FIG. 2 , a computer-implemented method 200 forproviding personalized rewards for lifestyle management based upon thewell-being of a user is shown. Method 200 can be performed by a server(e.g., 106). At block 202, method 200 receives a target health goal, atarget community goal, and a target financial goal from the user. Thetarget goals may be received from a plurality of devices (e.g.,104A-104N) associated with the user.

At block 204, method 200 may receive a first set of data during a firstperiod of time. The first set of data includes a first health data setindicating a current personal health level for the user, a firstcommunity data set indicating a current community activity level for theuser, and a first financial data set indicating a current financialindependence level for the user.

At block 206, method 200 may analyze the first set of data to determinewhether the target goals have been met. In particular, method 200 maydetermine whether the target health goal has been met during the firstperiod of time based upon the first health data set. Method 200 may alsodetermine whether the target community goal has been met during thefirst period of time based upon the first community data set. Method 200may further determine whether the target financial goal has been metduring the first period of time based upon the first financial data set.

In various embodiments, method 200 may determine whether the targethealth goal has been met by determining whether the current personalhealth level is equal to or greater than a desired personal health levelduring the first period of time. The desired personal health level maybe defined by the user in the target health goal. Similarly, method 200may determine whether the target community goal has been met bydetermining whether the current community activity level is equal to orgreater than a desired community activity level during the first periodof time. The desired community activity level may be defined by the userin the target community goal. Likewise, method 200 may determine whetherthe target financial goal has been met by determining whether thecurrent financial independence level is equal to or greater than adesired financial independence level during the first period of time.The desired financial independence level may be defined by the user inthe target financial goal.

At block 208, in response to determining that the target goals have beenmet during the first period of time, method 200 may receive a second setof data during a second period of time. The second set of data includesa second health data set indicating a continued personal health levelfor the user, a second community data set indicating a continuedcommunity activity level for the user, and a second financial data setindicating a continued financial independence level for the user. Thefirst and second periods of time may be equal in duration or may havedifferent durations.

At block 210, method 200 may analyze the second set of data to determinewhether the target goals have been maintained. In particular, method 200may determine whether the target health goal has been maintained duringthe second period of time based upon the second health data set. Method200 may also determine whether the target community goal has beenmaintained during the second period of time based upon the secondcommunity data set. Method 200 may further determine whether the targetfinancial goal has been maintained during the second period of timebased upon the second financial data set.

In various embodiments, method 200 may determine whether the targethealth goal has been maintained by determining whether the continuedpersonal health level is equal to or greater than the current personalhealth level during the second period of time. Similarly, method 200 maydetermine whether the target community goal has been maintained bydetermining whether the continued community activity level is equal toor greater than the current community activity level during the secondperiod of time. Likewise, method 200 may determine whether the targetfinancial goal has been maintained by determining whether the continuedfinancial independence level is equal to or greater than the currentfinancial independence level during the second period of time.

At block 212, in response to determining that the target goals have beenmaintained during the second period of time, method 200 may determineone or more personalized rewards for the user. The personalized rewardsmay include one or more indications of money, a personalized product, apersonalized service, a personalized insurance adjustment, apersonalized discount on goods and services, and a personalizedrecommendation of goods and services.

At block 214, method 200 may transmit information indicating the one ormore personalized rewards to the user, such as to a user mobile devicevia wireless communication or data transmission over one or more radiofrequency links.

In some embodiments, reward points may be accumulated when the targethealth goal, the target community goal and the target financial goalhave been met during the first period of time. Additional reward pointsmay be accumulated when the target health goal, the target communitygoal and the target financial goal have been maintained during thesecond period of time. Method 200 may then determine the one or morepersonalized rewards based upon the accumulated reward points.

In some embodiments, method 200 may establish a plurality ofintermediate goals for each of the target health goal, target communitygoal and target financial goal. Method 200 may then transmit theplurality of intermediate goals for each of the target health goal,target community goal and target financial goal to the user or theuser's mobile device, such as via wireless communication or datatransmission over one or more radio frequency links. In this manner, thecurrent and continued personal health levels may be determined basedupon a completion status of each of the plurality of intermediate goalsestablished for the target health goal, the current and continuedcommunity activity levels may be determined based upon a completionstatus of each of the plurality of intermediate goals established forthe target community goal, and the current and continued financialindependence levels may be determined based upon a completion status ofeach of the plurality of intermediate goals established for the targetfinancial goal.

It should be understood that although method 200 in FIG. 2 is describedas being performed by server 106, in some examples, such method may beperformed by a mobile device (e.g., 104A). Further, in some examples,server 106 may have artificial intelligence capabilities that performmachine learning based upon historical data obtained by collecting andanalyzing past system performances. The systems and methods describedherein operate to provide better lifestyle management for individuals byhelping them to prepare for the unexpected, to preserve their health andwealth, and to protect various aspects of their lives.

Exemplary Process

Referring now to FIG. 3 , a process 300 for a user (e.g., 102) toundertake in order to receive personalized rewards for lifestylemanagement based upon the well-being of the user is shown. Process 300includes a plurality of stages 302-310. At stage 302, the user begins aconversation with an insurance provider to discuss about the user'slifestyle goals and/or needs (e.g., financial needs, insurance needs,etc.). The conversation may be conducted over the phone, via a mobiledevice (e.g., 104A), and/or in person.

At stage 304, the user enrolls in a rewards program for attainingpersonal well-being by completing a set of initial questionnaires anddefining a set of target goals (e.g., target health goal, targetcommunity goal, target financial goal). The questionnaires may beprovided by the insurance provider. The purpose of the questionnaires isto determine what motivates the user to strive for those target goalsand how the user will hold himself/herself accountable to meet thosegoals. At stage 304, various products (e.g., insurance products) mayalso be identified for the user based upon the user's answers to thequestionnaires.

At stage 306, the user will begin working toward the target goals. Thetargeted goals may include personal health and wellness, community andsocial, and financial. For example, this may involve the user performingvarious activities necessary to achieve the goals (e.g., exercising,dieting, going to charitable events, contributing to a 401(k) plan,etc.). Any concerns about the various products identified in stage 304can also be addressed at this stage.

At stage 308, the user provides inputs to indicate his/her progress. Forexample, various data associated with the user (e.g., 126, 128, 130) maybe gathered and analyzed to determine if the user has met and/ormaintained the target goals. These inputs provide an ongoing assessmentof the user, which in turn create a form of intrinsic motivation orsatisfaction for the user when the user meets his/her defined targetgoals. As the target goals are achieved and maintained, the user willreceive rewards and/or personalized recommendations, which provide aform of extrinsic motivation for the user to further improve and/ormaintain the user's well-being. Additionally, the user can invite familyand/or friends to join the rewards program. In this case, each inviteemay enroll in his/her own rewards program by first completing the set ofinitial questionnaires.

At stage 310, the long-term benefits or outcomes of the rewards programcan be realized. For example, by improving his/her personal well-being,the user can achieve a more enjoyable lifestyle as well as improvedmortality. Further, the personalized recommendations provided to theuser will enable the user to better customize his/her lifestyle needs(e.g., insurance needs). This in turn will offer better life protectionfor the user and the user's family. For the insurance provider,referrals by the user to join the rewards program will generateadditional business and allow the insurance provider to serve increasingsegments of the population.

In the illustrative embodiment, the process 300 may be performed by anapplication running on a mobile device (or other computing device, suchas smart glasses or a wearable device) of a user. As discussed above,the application may be used to monitor and promote personal well-beingrelated to health and wellness, community and social connection, andfinancial status of the user. The user may use the application to updatethe user's personal information. It should be appreciated that thefunctionality of the application may be configured based upon a role ofthe user (e.g., insured, beneficiaries, trustees, family members of aninsured) to provide services that are relevant to the role of the user.Moreover, the application may further be used to upload and storedocuments that are important or may become relevant in the future.

For example, the application may provide beneficiary services forbeneficiaries of a life policy. It may help them to guide them throughone or more services or products when the life policy is due, such asclaim management, estate planning, estate settlement, and onlinedocument storage to store any legal or estate documents.

In some embodiments, the application may provide services to people withchronic diseases to keep track of their conditions (e.g., for peoplewith diabetes, the application may remind the user to sync data using aglucometer to monitor a glucose level), to provide them with healthtrends to manage their conditions, and/or provide prescription discountsif they are picking up medications regularly.

Exemplary Process

Referring now to FIGS. 4 and 5 , a method 400 for facilitating a user(e.g., 102) who is under-qualified for a long-term life insurance policyto become qualified for a long-term life insurance coverage is shown. Inthe illustrative embodiment, the method 400 is performed by a server(e.g., 106) that is associated with an insurer providing life insurancepolicies. In block 402, the server 106 receives a request from a userfor a long-term life insurance coverage. If the server 106 determinesthat the request has not been received in block 404, the method 400loops back to 402 to continue waiting for a request. If, however, theserver 106 determines that the request has been received from a user,the method 400 advances to block 406.

In block 406, the server 106 determines whether a user qualifies for along-term life insurance coverage. To do so, the server 106 may obtainor receive medical and health information from the user during theapplication process to determine whether the user is qualified for along-term life insurance policy. For example, the user may complete aset of initial questionnaires to apply for a long-term life insurancepolicy, during which the user may provide medical and health informationor authorize the server 106 to obtain the medical and health informationof the user. It should be appreciated that the user may fill out thequestionnaires via an application running on a computing device (e.g., auser's mobile device) or a website.

If the server 106 determines that the user qualifies for a long-termlife insurance coverage in block 408, the method 400 advances to block410 to notify the user that the user is qualified for a long-term lifeinsurance coverage and provide more details. If, however, the server 106determines that the user does not qualify for a long-term life insurancecoverage, the method 400 advances to 412.

In block 412, the server 106 queries the user whether to purchase ashort-term life insurance instead with an option to convert to along-term life insurance upon meeting a health goal provided by theinsurer. To do so, the server 106 further queries the user for anauthorization to obtain medical and health data to track the user'shealth and health goal, as indicated in block 414. For example, themedical data may include the user's medical information and records,prescription records and history, past medical claims, and/or familymedical history. Such medical data may be provided by the user orobtained from a third party (e.g., a medical provider, a pharmacy,and/or one or more insurers). The health data may include anyinformation that may be related to or indicate user's health, such asexercise habits, eating habits, nutrition, and biometrics. The healthdata may be obtained from one or more applications on the user's mobiledevice.

If the user does not wish to purchase a short-term life insurancecoverage in block 416, the method 400 loops back to block 402 tocontinue waiting a new request for a long-term life insurance. If,however, the user accepts the terms and agrees to purchase a short-termlife insurance coverage in block 416, the method 400 advances to block418 in FIG. 5 .

In block 418, the server 160 obtains or receives the medical and healthdata of the user. As described above, the medical data may include theuser's medical information and records, prescription records andhistory, past medical claims, and/or family medical history. Suchmedical data may be provided by the user or obtained from a third party(e.g., a medical provider, a pharmacy, and/or one or more insurers). Thehealth data may include any information that may be related to orindicate user's health, such as exercise habits, eating habits,nutrition, and biometrics. The health data may be obtained from one ormore applications on the user's mobile device, wearable devices, orother computing devices.

Subsequently, in block 420, the server 160 analyzes the medical andhealth data to determine medical characteristics. The server 160compares the medical characteristics of the user to a baseline togenerate a health goal for the user and health recommendations to reachthat health goal, as indicated in block 422. The baseline may representa minimum health condition set by the insurer that a user need to meetin order to be qualified for a long-term life insurance coverage. Insome embodiments, the baseline may depend on the medical characteristicsof the user. For example, a person with complicated medical and healthconditions may have a different baseline compared to a healthy person.However, it should be appreciated that terms of a long-term lifeinsurance coverage may also be different depending on the person'smedical characteristics.

In block 424, the server 160 determines whether the remaining term ofthe short-term life insurance is within a predefined time period (e.g.,a month from the expiry date). If the server 160 determines that theremaining term is not within the predefined time period in block 426,the method 400 loops back to block 418 to continue obtaining andreceiving updated medical and health data of the user to continueanalyze and update the medical characteristics of the user. The server160 may also update the recommendations to reach the health goal basedupon the updated medical and health data.

If, however, the server 160 determines that the remaining term is withinthe predefined time period in block 426, the method 400 advances toblock 428 to determine whether the health goal is satisfied based uponthe medical and health data of the user.

If the server 160 determines that the health goal has not been satisfiedin block 430, the method 400 advances to block 432 to notify the userthat the user is under-qualified for a long-term life insurancecoverage. In some embodiments, the server 160 may extend the currentshort-term life insurance coverage at the same rate or a different rateto reflect actual risk based upon the current medical characteristics ofthe user, or if the user prefers, terminate the short-term lifeinsurance, as indicated in blocks 434 and 436.

Referring back to block 430, if the server 160 determines that thehealth goal has been satisfied, the method 400 skips ahead to block 438to notify the user that the user is now qualified for a long-term lifeinsurance coverage and provide more details. In some embodiments, theserver 160 may provide an option to convert the short-term lifeinsurance to a long-term life insurance if the user so desires, asindicated in block 440. Alternatively, the server 160 may provide anoption to extend the current short-term life insurance at a lower ratebased upon the current medical characteristics of the user, as indicatedin block 442. In some embodiments, the server 160 may provide an optimallife insurance plan for the user based upon the current and previousmedical characteristics.

Exemplary Process

Referring now to FIG. 6 , a method 600 for providing a personalizedreward and/or challenge program to a user (e.g., 102) to promote healthand wealth of the user is shown. In the illustrative embodiment, themethod 400 is performed by a server (e.g., 106) that is associated withan insurer.

In block 602, the server 106 builds an initial or baseline user rewardprofile. To do so, the server 160 may determine user reward andchallenge preferences based upon a set of questionnaires that may bepresented to the user. The questionnaires may be provided by theinsurance provider. Based upon the questionnaires, the server 106 maydetermine which reward method motivates the user to strive for goals.For example, the user reward preference may include a preferred rewardmethod (e.g., incentive vs. loss aversions). Some users may be moremotivated to complete a challenge by earning points (e.g., the incentivemethod), whereas other users may be more motivated to complete achallenge by retaining points (e.g., the loss aversions method).

With the rewards method, for example, a user may be rewarded as the usercompletes each workout. With the loss aversions method, for example, auser may focus on a total number of workouts that the user is committedto complete, tick down for any missed workouts, and be rewarded basedupon a percentage of goal achieved. The user challenge preference mayinclude a type of challenge (e.g., physical wellness, nutrition,prescription adherence, financial, and estate planning) and a durationof challenge.

If the server 106 determines that the user profile has not been created,the method 600 loops back to block 602 to complete the user profile. If,however, the server 160 determines that the user profile has beencreated, the method 600 advances to block 608.

In block 608, the server 106 receives user data to monitor one or moreuser activities. For example, the user activities may include socialinteractions, exercise habits, eating habits, spending habits, andvolunteering activities, as indicated in blocks 610-616. By monitoringthe user activities, the server 106 may monitor and keep track ofphysical health and wellness, nutrition, community and socialconnections, and financial status of the user.

In block 618, the server 106 determines one or more challenges for theuser based upon one or more user activities and present those challengesto the user. To do so, the server 106 may generate one or morechallenges or select one or more challenges from a list of predeterminedchallenges based upon the user data and/or the user reward preference.For example, the challenges that are presented to the user may includethose activities that the user is actively engaged in and may furtherpromote user's overall health and/or wealth. Alternatively oradditionally, the challenges that are presented to the user may includethose activities that are designed to engage the user to strengthen theuser's weakness based upon the user data. In the illustrativeembodiment, the server 106 monitors whether the user accepts or rejectsthose challenges presented to the user and keep track of the user'sresponses.

In block 620, the server 106 updates the user reward profile. Forexample, the server 106 may periodically or continually receive the userdata related to one or more user activities and update the user rewardprofile based upon the updated user data. The updated user data mayindicate the user's progress in response to accepting or rejectingcertain challenges.

Additionally or alternatively, as indicated in block 624, the server 106may update the user reward profile based upon the one or more challengesthat have been accepted and/or completed by the user. The server 106 mayfurther monitor and analyze those accepted challenges to update the userchallenge preference.

In the illustrative embodiment, the server 106 determines a user'saccepted challenge pattern to present more appealing challenges that aremore applicable to the user to promote user's overall health and/orwealth. It should be appreciated that the server 106 may use machinelearning algorithm to generate one or more challenges and update theinitial user reward profile.

In block 626, the server 106 provides rewards or discounts based uponthe updated user profile. The method 600 then loops back to block 608 tocontinue to receive the updated user data to monitor one or more useractivities.

Additional Considerations

With the foregoing, an insurance customer (e.g., user 102) may opt-in toa rewards program, an insurance discount program, or other types ofprograms to better manage his/her lifestyle. After the insurancecustomer provides his/her permission or affirmative consent, a remoteserver associated with an insurance provider may collect the insurancecustomer's personal health data, community involvement data, financialplanning data and/or other types of data to help the insurance customerto achieve enhanced well-being. For example, the insurance customer maydefine target goals for achieving better personal health, greatercommunity involvement and/or more financial independence. When thesetarget goals have been achieved and maintained over a period of time,insurance customer may receive various personalized rewards such asdiscounts on personalized products/services or insurance cost savingsrelated to auto, home, life, and other types of insurance from theinsurance provider as a way to reward and encourage the insurancecustomer to further improve and/or maintain his or her well-being.

In one aspect, health data, community data, financial data, and/or otherdata, including the types of data discussed elsewhere herein, may becollected or received by the insurance customer's mobile device, anapplication running thereon, and/or an insurance provider remote server,such as via direct or indirect wireless communication or datatransmission from the application (“app”) running on the insurancecustomer's mobile device, after the insurance customer affirmativelyconsents or otherwise opts-in to an insurance discount, reward, or otherprogram. The insurance provider may then analyze the data received withthe insurance customer's permission to provide benefits and/or rewardsto the insurance customer.

Although the following text sets forth a detailed description ofnumerous different embodiments, it should be understood that the legalscope of the description is defined by the words of the claims set forthat the end of this patent and equivalents. The detailed description isto be construed as exemplary only and does not describe every possibleembodiment since describing every possible embodiment would beimpractical. Numerous alternative embodiments may be implemented, usingeither current technology or technology developed after the filing dateof this patent, which would still fall within the scope of the claims.

The following additional considerations apply to the foregoingdiscussion. Throughout this specification, plural instances mayimplement components, operations, or structures described as a singleinstance. Although individual operations of one or more methods areillustrated and described as separate operations, one or more of theindividual operations may be performed concurrently, and nothingrequires that the operations be performed in the order illustrated.Structures and functionality presented as separate components in exampleconfigurations may be implemented as a combined structure or component.Similarly, structures and functionality presented as a single componentmay be implemented as separate components. These and other variations,modifications, additions, and improvements fall within the scope of thesubject matter herein.

Additionally, certain embodiments are described herein as includinglogic or a number of routines, subroutines, applications, orinstructions. These may constitute either software (e.g., code embodiedon a machine-readable medium or in a transmission signal) or hardware.In hardware, the routines, etc., are tangible units capable ofperforming certain operations and may be configured or arranged in acertain manner. In example embodiments, one or more computer systems(e.g., a standalone, client or server computer system) or one or morehardware modules of a computer system (e.g., a processor or a group ofprocessors) may be configured by software (e.g., an application orapplication portion) as a hardware module that operates to performcertain operations as described herein.

In various embodiments, a hardware module may be implementedmechanically or electronically. For example, a hardware module maycomprise dedicated circuitry or logic that is permanently configured(e.g., as a special-purpose processor, such as a field programmable gatearray (FPGA) or an application-specific integrated circuit (ASIC)) toperform certain operations. A hardware module may also compriseprogrammable logic or circuitry (e.g., as encompassed within ageneral-purpose processor or other programmable processor) that istemporarily configured by software to perform certain operations. Itwill be appreciated that the decision to implement a hardware modulemechanically, in dedicated and permanently configured circuitry, or intemporarily configured circuitry (e.g., configured by software) may bedriven by cost and time considerations.

Accordingly, the term “hardware module” should be understood toencompass a tangible entity, be that an entity that is physicallyconstructed, permanently configured (e.g., hardwired), or temporarilyconfigured (e.g., programmed) to operate in a certain manner or toperform certain operations described herein. Considering embodiments inwhich hardware modules are temporarily configured (e.g., programmed),each of the hardware modules need not be configured or instantiated atany one instance in time. For example, where the hardware modulescomprise a general-purpose processor configured using software, thegeneral-purpose processor may be configured as respective differenthardware modules at different times. Software may accordingly configurea processor, for example, to constitute a particular hardware module atone instance of time and to constitute a different hardware module at adifferent instance of time.

Hardware modules may provide information to, and receive informationfrom, other hardware modules. Accordingly, the described hardwaremodules may be regarded as being communicatively coupled. Where multipleof such hardware modules exist contemporaneously, communications may beachieved through signal transmission (e.g., over appropriate circuitsand buses) that connect the hardware modules. In embodiments in whichmultiple hardware modules are configured or instantiated at differenttimes, communications between such hardware modules may be achieved, forexample, through the storage and retrieval of information in memorystructures to which the multiple hardware modules have access. Forexample, one hardware module may perform an operation and store theoutput of that operation in a memory device to which it iscommunicatively coupled. A further hardware module may then, at a latertime, access the memory device to retrieve and process the storedoutput. Hardware modules may also initiate communications with input oroutput devices, and may operate on a resource (e.g., a collection ofinformation).

The various operations of example methods described herein may beperformed, at least partially, by one or more processors that aretemporarily configured (e.g., by software) or permanently configured toperform the relevant operations. Whether temporarily or permanentlyconfigured, such processors may constitute processor-implemented modulesthat operate to perform one or more operations or functions. The modulesreferred to herein may, in some example embodiments, compriseprocessor-implemented modules.

Similarly, the methods or routines described herein may be at leastpartially processor-implemented. For example, at least some of theoperations of a method may be performed by one or more processors orprocessor-implemented hardware modules. The performance of certain ofthe operations may be distributed among the one or more processors, notonly residing within a single machine, but deployed across a number ofmachines. In some example embodiments, the processor or processors maybe located in a single location, while in other embodiments theprocessors may be distributed across a number of locations.

The performance of certain of the operations may be distributed amongthe one or more processors, not only residing within a single machine,but deployed across a number of machines. In some example embodiments,the one or more processors or processor-implemented modules may belocated in a single geographic location (e.g., within a homeenvironment, an office environment, or a server farm). In otherembodiments, the one or more processors or processor-implemented modulesmay be distributed across a number of geographic locations.

This detailed description is to be construed as exemplary only and doesnot describe every possible embodiment, as describing every possibleembodiment would be impractical, if not impossible. One may be implementnumerous alternate embodiments, using either current technology ortechnology developed after the filing date of this application.

Those of ordinary skill in the art will recognize that a wide variety ofmodifications, alterations, and combinations can be made with respect tothe above described embodiments without departing from the scope of theinvention, and that such modifications, alterations, and combinationsare to be viewed as being within the ambit of the inventive concept.

The patent claims at the end of this patent application are not intendedto be construed under 35 U.S.C. § 1 12(f) unless traditionalmeans-plus-function language is expressly recited, such as “means for”or “step for” language being explicitly recited in the claim(s). Thesystems and methods described herein are directed to an improvement tocomputer functionality, and improve the functioning of conventionalcomputers.

What is claimed is:
 1. A computer-implemented method for providingrewards for lifestyle management of a user, comprising: determining, bya computing device using a first data set received from at least onedevice associated with a user during a first time period, whether ahealth goal and a community goal were met during the first time period,the first data set indicating a current health level and a currentcommunity activity level; responding to determining that the health goaland the community goal were met by determining, by the computing deviceusing a second data set received from the at least one device during asecond time period, whether the health goal and the community goal weremaintained during the second time period, the second data set indicatinga continued health level and a continued community activity level; andresponding to determining that the health goal and the community goalwere maintained by transmitting, from the computing device to the atleast one device, information indicating at least one reward for theuser.
 2. The computer-implemented method of claim 1, wherein determiningwhether the health goal has been met includes determining whether thecurrent health level is equal to or greater than a desired health levelduring the first time period.
 3. The computer-implemented method ofclaim 1, wherein determining whether the health goal has been maintainedincludes determining whether the continued health level is equal to orgreater than the current health level during the second time period. 4.The computer-implemented method of claim 1, wherein determining whetherthe community goal has been met includes determining whether the currentcommunity activity level is equal to or greater than a desired communityactivity level during the first time period.
 5. The computer-implementedmethod of claim 1, wherein determining whether the community goal hasbeen maintained includes determining whether the continued communityactivity level is equal to or greater than the current communityactivity level during the second time period.
 6. Thecomputer-implemented method of claim 1, further comprising: accumulatingreward points when the health goal and the community goal were metduring the first time period; accumulating additional reward points whenthe health goal and the community goal were maintained during the secondtime period; and determining the at least one reward based upon theaccumulated reward points.
 7. The computer-implemented method of claim1, wherein the at least one reward includes one or more indications ofmoney, a personalized product, a personalized service, a personalizedinsurance adjustment, a personalized discount on goods and services, anda personalized recommendation of goods and services.
 8. Thecomputer-implemented method of claim 1, further comprising:establishing, by the computing device, a plurality of intermediate goalsfor each of the health goal and the community goal; and transmitting, bythe computing device to the at least one device, the plurality ofintermediate goals; wherein the current and continued health levels aredetermined based upon a completion status of each of the plurality ofintermediate goals established for the health goal and the current andcontinued community activity levels are determined based upon acompletion status of each of the plurality of intermediate goalsestablished for the community goal.
 9. A computer system for providingrewards for lifestyle management of a user, comprising: at least onedevice associated with the user; and a computing device communicativelyconnected to the at least one device, the computing device configuredto: receive, from the at least one device, a health goal and a communitygoal; determine, using a first data set received from the at least onedevice during a first time period, whether the health goal and thecommunity goal were met during the first time period, the first data setindicating a current health level and a current community activitylevel; respond to determining that the health goal and the communitygoal were met by determining, using a second data set received from theat least one device during a second time period, whether the health goaland the community goal were maintained during the second time period,the second data set indicating a continued health level and a continuedcommunity activity level; and respond to determining that the healthgoal and the community goal were maintained by transmitting to the atleast one device information indicating at least one reward for theuser.
 10. The computer system of claim 9, wherein the computing deviceis configured to determine whether the health goal has been met bydetermining whether the current health level is equal to or greater thana desired health level during the first time period.
 11. The computersystem of claim 9, wherein the computing device is configured todetermine whether the health goal has been maintained by determiningwhether the continued health level is equal to or greater than thecurrent health level during the second time period.
 12. The computersystem of claim 9, wherein the computing device is configured todetermine whether the community goal has been met by determining whetherthe current community activity level is equal to or greater than adesired community activity level during the first time period.
 13. Thecomputer system of claim 9, wherein the computing device is configuredto determine whether the community goal has been maintained bydetermining whether the continued community activity level is equal toor greater than the current community activity level during the secondtime period.
 14. The computer system of claim 9, wherein the computingdevice is further configured to: accumulate reward points when thehealth goal and the community goal were met during the first timeperiod; accumulate additional reward points when the health goal and thecommunity goal were maintained during the second time period; anddetermining the at least one reward based upon the accumulated rewardpoints.
 15. The computer system of claim 9, wherein the at least onereward includes one or more indications of money, a personalizedproduct, a personalized service, a personalized insurance adjustment, apersonalized discount on goods and services, and a personalizedrecommendation of goods and services.
 16. The computer system of claim9, wherein the computing device is further configured to: establish aplurality of intermediate goals for each of the health goal and thecommunity goal; and transmit, to the at least one device, the pluralityof intermediate goals; wherein the current and continued health levelsare determined based upon a completion status of each of the pluralityof intermediate goals established for the health goal, and the currentand continued community activity levels are determined based upon acompletion status of each of the plurality of intermediate goalsestablished for the community goal.
 17. A computer system for providingrewards for lifestyle management of a user, comprising: at least onedevice associated with the user; and a computing device communicativelyconnected to the at least one device, the computing device configuredto: receive, from the at least one device, a health goal and a financialgoal; determine, using a first data set received from the at least onedevice during a first time period, whether the health goal and thefinancial goal were met during the first time period, the first data setindicating a current health level and a current financial independencelevel; respond to determining that the health goal and the financialgoal were met by determining, using a second data set received from theat least one device during a second time period, whether the health goaland the financial goal were maintained during the second time period,the second data set indicating a continued health level and a continuedfinancial independence level; and respond to determining that the healthgoal and the financial goal were maintained by transmitting to the atleast one device information indicating at least one reward for theuser.
 18. The computer system of claim 17, wherein the computing deviceis configured to determine whether the financial goal has been met bydetermining whether the current financial independence level is equal toor greater than a desired financial independence level during the firsttime period.
 19. The computer system of claim 17, wherein the computingdevice is configured to determine whether the financial goal has beenmaintained by determining whether the continued financial independencelevel is equal to or greater than the current financial independencelevel during the second time period.